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Heritage Federal Savings Bank, Income and Expense
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $72,377,000 | 573 |
| Total interest expense | $42,610,000 | 503 |
| Net interest income | $29,767,000 | 682 |
| Provision for loan and lease losses | $1,450,000 | 1,436 |
| Total noninterest income | $2,769,000 | 1,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,769,000 | 1,012 |
| Total noninterest expense | $21,058,000 | 805 |
| Salaries and employee benefits | $7,968,000 | 852 |
| Premises and equipment expense | $4,086,000 | 616 |
| Additional noninterest expense | $9,004,000 | 841 |
| Pre-tax net operating income | $10,028,000 | 633 |
| Securities gains (losses) | $25,000 | 5,285 |
| Applicable income taxes | $3,674,000 | 644 |
| Income before extraordinary items | $6,379,000 | 744 |
| Extraordinary gains, net | $492,000 | 212 |
| Net income | $6,871,000 | 686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $273,000 | 3,530 |
| Cash dividends | $1,900,000 | 903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $6,363,000 | 677 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.